Foreign National
A Simplified Mortgage Solution
for International Buyers
Why Choose a Foreign National Loan?
- Loan amounts up to $2.5M
- Qualify using debt service coverage ratio (DSCR) with I/O Payment
- No U.S credit score or FICO required
- No credit reference letter required
- Up to 75% LTV for purchase/rate-and-term
- Up to 70% LTV for cash-out
- DSCR as low as .75 - qualify using property cash flow
- Asset seasoning 30 days minimum in a U.S. banking institution
- Foreign assets permitted for reserves
- Additional reserves are not required for any additional financed properties owned
- No sourcing of large deposits
- Interest-only options available
Who Can Apply
- Foreign Nationals living and working outside the U.S.
- Must provide a valid passport and visa, or be eligible under the U.S. Visa Waiver Program
*U.S. Citizens and Permanent Residents are not eligible for this program.
Ideal for
- International buyers seeking U.S. rental property
- Investors looking to diversify their real estate portfolio
- Business-purpose, non-owner-occupied properties
*DSCR products are unavailable in PA
Not sure if a Foreign National Loan is right for you?
Our advisors will help you compare options and find the best fit for your situation.
Contact A Mortgage Advisor